Synchrony Financial Credit Card Complaint

Closing/Cancelling account

Synchrony Financial Credit card department,

Closing/Cancelling account New York

I applied for a Care Credit card ( Synchronicity Bank ) in -. The application was approved. I used the card once for an emergency veterinary appointment in the spring of - and paid the balance in full over a period of a few months and have not used the card since that time. On - -, -, my cat had a life threatening emergency so I took him to the vet. When it was time to pay for the charges, my Care Credit card was declined. Today, I spoke with Care Credit and was told that, some time in between last use of the card to present day, they ran my credit report and decided to close my account. I never received any notice of this and it caused a major scramble to come up with funds to pay for emergency care for my cat, along with undue embarrassment. Since the time of my application to Care Credit, my credit rating has improved and has not degraded. Therefore, the reason I was given does not ring true to me. I believe the card was cancelled due to inactivity and not carrying a balance. Perhaps they did not believe I was " profitable '' to them. But, to cancel the card without notifying a customer is absolutely inexcusable because many individuals rely on having that card in case of emergency, which is exactly why I applied in the first place.

Synchrony Financial customer in New York
Mar 28, 2017

* Source: CFPB Complaint Database

Synchrony Financial response to complaint:
Closed with explanation

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